First National Bank of South Padre Island

Headquarters: South Padre Island, Texas
Charter: Bank
Assets: $78.2M
Fed district: Dallas

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
First National Bank of South Padre Island: $35
First National Bank of South Padre Island: $35
U.S. median: no median
NSF / Returned Item
First National Bank of South Padre Island: $35
First National Bank of South Padre Island: $35
U.S. median: no median
Wire Transfer (Domestic Out)
First National Bank of South Padre Island: $25
First National Bank of South Padre Island: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First National Bank of South Padre Island’s own schedules, with a source for each figure.

Account Maintenance

Account Closed Within 90 Days$25
Return Mail$5

Overdraft & NSF

NSF & Overdraft Fee$35
NSF & Overdraft Fee$35

ATM & Card

Card Reorder$5
Replacement Card Fee$9.95

Wire Transfers

Wire Transfers: Outgoing – Domestic$25
Wire Transfers: Incoming$10
Wire Transfers: Outgoing – Foreign$50

Check Services

Cashier Check$10
Cashier’s Check (Non-Customers On-Us Exchange)$15
Money Order (max $1,000.00)$5
Stop Payment$30
Temporary Checks (Per Page of 4 Checks)$2
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Bill Pay & Zelle$5.95
per month
Internet Banking with Bill Pay$5.95

Cash & Deposit

Chargeback Fee$10

Account Services

Notary Fees (Non-Customer)$5
10 x 10 (Per Year)$120
per year
3 x 10 (Per Year)$50
per year
3 x 5 (Per Year)$30
per year
5 x 10 (Per Year)$65
per year
5 x 5 (Per Year)$35
per year
Drill Box – Locksmith fee +$50
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10 (Per Year) (audience not stated, treated as personal)$120
per year
Safe Deposit Box 3 x 10 (Per Year) (audience not stated, treated as personal)$50
per year
Safe Deposit Box 3 x 5 (Per Year) (audience not stated, treated as personal)$30
per year
Safe Deposit Box 5 x 10 (Per Year) (audience not stated, treated as personal)$65
per year
Safe Deposit Box 5 x 5 (Per Year) (audience not stated, treated as personal)$35
per year
Account Levy, Hold, Freeze or Garnishment$75

Gift & Prepaid Cards

Gift Card Fee$6.95
Reload Fee$4.95

Other Fees

Copy of Bank Records (Per Item)$5
per item
Incoming$3
Outgoing (956 Area Code)$5
Outgoing (International)$15
Outgoing (Long Distance)$7.50
Photocopies$1

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days	$25	Not stated	None
Return Mail	$5	Not stated	None
Overdraft & NSF
NSF & Overdraft Fee	$35	Not stated	None
NSF & Overdraft Fee	$35	Not stated	None
ATM & Card
Card Reorder	$5	Not stated	None
Replacement Card Fee	$9.95	Not stated	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$25	Not stated	None
Wire Transfers: Incoming	$10	Not stated	None
Wire Transfers: Outgoing – Foreign	$50	Not stated	None
Check Services
Cashier Check	$10	Not stated	None
Cashier’s Check (Non-Customers On-Us Exchange)	$15	Not stated	None
Money Order (max $1,000.00)	$5	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks (Per Page of 4 Checks)	$2Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Bill Pay & Zelle	$5.95	per month	None
Internet Banking with Bill Pay	$5.95	Not stated	None
Cash & Deposit
Chargeback Fee	$10	Not stated	None
Account Services
Notary Fees (Non-Customer)	$5	Not stated	None
10 x 10 (Per Year)	$120	per year	None
3 x 10 (Per Year)	$50	per year	None
3 x 5 (Per Year)	$30	per year	None
5 x 10 (Per Year)	$65	per year	None
5 x 5 (Per Year)	$35	per year	None
Drill Box – Locksmith fee +	$50Not compared: Box drilling or key fee	Not stated	None
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10 (Per Year) (audience not stated, treated as personal)	$120	per year	None
Safe Deposit Box 3 x 10 (Per Year) (audience not stated, treated as personal)	$50	per year	None
Safe Deposit Box 3 x 5 (Per Year) (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 5 x 10 (Per Year) (audience not stated, treated as personal)	$65	per year	None
Safe Deposit Box 5 x 5 (Per Year) (audience not stated, treated as personal)	$35	per year	None
Account Levy, Hold, Freeze or Garnishment	$75	Not stated	None
Gift & Prepaid Cards
Gift Card Fee	$6.95	Not stated	None
Reload Fee	$4.95	Not stated	None
Other Fees
Copy of Bank Records (Per Item)	$5	per item	None
Incoming	$3	Not stated	None
Outgoing (956 Area Code)	$5	Not stated	None
Outgoing (International)	$15	Not stated	None
Outgoing (Long Distance)	$7.50	Not stated	None
Photocopies	$1	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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